Does Missouri tax pensions and retirement income?
Taxed, with a retirement exclusion
Partly. Missouri has a public pension deduction of up to $47,633 per person for 2025 and a private pension deduction of up to $6,000 with income limits.
In the state's own words
Copied word for word from the official document linked below each quote:
“Missouri law allows for a deduction for public pensions, private pensions, social security and social security disability payments on the 2025 Missouri income tax return.”
“In the 2025 tax year this amount is $47,633 per taxpayer.”
Details worth knowing
- The private pension deduction is limited to people with income under $25,000 (single), $32,000 (married filing combined) or $16,000 (married filing separately), per the same guide.
And Social Security?
No, for people 62 or older and for Social Security disability. Since 2024, Missouri has no income limit on this deduction. The Missouri Social Security page quotes the rule.
Federal tax still applies
Whatever Missouri does, pensions, annuities and traditional IRA or 401(k) withdrawals are generally taxable on your federal return. See the federal tax brackets and, if you are 73 or older, the required minimum distribution calculator.
State rules change, and the details (age limits, income limits, which plans qualify) matter. Check with the Missouri Department of Revenue before you file or move.
Other states in the same group
Check our work
The answer above comes from this document. Follow the link and compare.
- 2025 Missouri Income Tax Reference GuideMissouri Department of Revenue. Read on November 12, 2026.